Citigroup Inc. (C)vsSLR Investment Corp (SLRC)
C
Citigroup Inc.
$135.13
+1.82%
FINANCIAL SERVICES · Cap: $240.84B
SLRC
SLR Investment Corp
$12.79
-2.74%
FINANCIAL SERVICES · Cap: $704.85M
Smart Verdict
WallStSmart Research — data-driven comparison
Citigroup Inc. generates 36580% more annual revenue ($78.73B vs $214.65M). SLRC leads profitability with a 41.8% profit margin vs 20.4%. C appears more attractively valued with a PEG of 0.78. C earns a higher WallStSmart Score of 82/100 (A-).
C
Exceptional Buy82
out of 100
Grade: A-
SLRC
Buy53
out of 100
Grade: C-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Reasonable price relative to book value
Strong operational efficiency at 34.1%
Earnings expanding 56.1% YoY
Keeps 20 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 42 of every $100 in revenue as profit
Strong operational efficiency at 69.5%
Areas to Watch
ROE of 7.6% — below average capital efficiency
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Smaller company, higher risk/reward
Elevated debt levels
Weak financial health signals
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : C
The strongest argument for C centers on Market Cap, Price/Book, Operating Margin. Profitability is solid with margins at 20.4% and operating margin at 34.1%. Revenue growth of 15.9% demonstrates continued momentum.
Bull Case : SLRC
The strongest argument for SLRC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 41.8% and operating margin at 69.5%.
Bear Case : C
The primary concerns for C are Return on Equity, Free Cash Flow, Altman Z-Score. Debt-to-equity of 3.55 is elevated, increasing financial risk.
Bear Case : SLRC
The primary concerns for SLRC are Market Cap, Debt/Equity, Piotroski F-Score.
Key Dynamics to Monitor
C profiles as a growth stock while SLRC is a declining play — different risk/reward profiles.
C carries more volatility with a beta of 1.11 — expect wider price swings.
C is growing revenue faster at 15.9% — sustainability is the question.
SLRC generates stronger free cash flow (49M), providing more financial flexibility.
Bottom Line
C scores higher overall (82/100 vs 53/100), backed by strong 20.4% margins and 15.9% revenue growth. Both earn "Exceptional Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Citigroup Inc.
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Citigroup Inc. is an American multinational investment bank and financial services corporation headquartered in New York City. The company was formed by the merger of banking giant Citicorp and financial conglomerate Travelers Group in 1998; Travelers was subsequently spun off from the company in 2002. Citigroup owns Citicorp, the holding company for Citibank, as well as several international subsidiaries. Citigroup is incorporated in Delaware.
SLR Investment Corp
FINANCIAL SERVICES · ASSET MANAGEMENT · USA
Solar Capital Ltd. is a business development company specializing in secured debt (unitranche first lien and second lien), subordinated (unsecured) debt, minority equity and income-oriented strategic controlling capital investments in leveraged market companies. half.
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